Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$144,845Cash toward the purchase price.
Closing costs + prepaids$9,730Not just lender fees.
Before credits & paid funds$154,575The complete starting cash picture.
Estimated remaining funds due at closing
$154,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,844.55
Your down payment$144,844.55
Closing costs + prepaids$9,730.38
Total buyer cash needed$154,574.93
Remaining funds due$154,574.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$188.50
Prepaid interest, first (1 days)$16.89
Fees + prepaids$9,730.38
Your down payment is the seller’s equity. You take over the $185,154 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $154,574.93 is due at closing. Uses and sources reconcile at $339,729.38 each. Not a Closing Disclosure.